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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.750%

4.784%

$5.22
15 YR 4.250% 4.309% $7.52
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.125% 5.150% $5.44
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.875% 5.046% $5.29
7/1 3.874% 4.620% $4.70
5/1 3.625% 4.687% $4.56
3/1 3.125% 4.775% $4.28
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.00% 5.00% $6.60
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.49% 4.49% $10.36
15 YR 4.74% 4.74% $7.77
20 YR 5.24% 5.24% $6.73
 
*Up to 80% loan to value.
Other rates and terms available
 
Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.750%

4.784%

$5.22
15 YR 4.250% 4.309% $7.52
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.125% 5.150% $5.44
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.875% 5.046% $5.29
7/1 3.874% 4.620% $4.70
5/1 3.625% 4.687% $4.56
3/1 3.125% 4.775% $4.28
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.00% 5.00% $6.60
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.49% 4.49% $10.36
15 YR 4.74% 4.74% $7.77
20 YR 5.24% 5.24% $6.73
 
*Up to 80% loan to value.
Other rates and terms available

How much income do I need?

This calculator tells you how much monthly gross income you may need to qualify for the home you want. Mortgage companies use ratios to analyze your mortgage payment, and you will be required to enter these below. The housing expense, or front ratio, compares your total mortgage payment to your monthly income. The total debt expense, or back ratio, compares your total monthly obligations including your total mortgage payment to your monthly income.

You will be required to enter specific information about your monthly property taxes and property value. Any other property information fields you leave blank will be assumed to be zero. In either case, the results displayed below are only estimates of the amount of income you may need to qualify for a loan. You will be provided with two income calculation amounts: aggressive and conservative. The aggressive income amount may be used to qualify for more non-conventional loan programs.

Property Information  
  Property Value ($)
  Monthly Taxes
  Monthly Hazard Insurance
  Monthly Mortgage Insurance
  Monthly Homeowners Assoc Dues

Loan Information
  Zip Code
  Interest Rate
  Loan Term (Years)
  Down Payment ($)
  
Front Ratio (%)
  
Back Ratio (%)
 
 
 

The results displayed above are only estimates and cannot be used to determine actual loan costs or be used as a guarantee. Please consult your tax advisor for information on the deductibility of interest for tax purposes. Refinancing or taking out a home equity loan or line of credit may increase the total number of monthly payments and the total amount paid when comparing to your current situation.

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NMLS#: 406108 | Federally insured by NCUA up to $250,000. | Shares and Deposits in excess of NCUA limits are fully insured by MSIC. | ehl Equal Housing Opportunity

Copyright © 2017 Jeanne D’Arc Credit Union.  All rights reserved. Jeanne D’Arc©, MoneyStrong© and the phrase. We Share a Common Thread©, are federally register trademarks owned by Jeanne D’Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D’Arc Credit Union.

** Rates are effective September 19, 2018 are subject to change at any time. Conforming loan sizes up to $453,100 on one unit properties. Conforming rates and APR based on $453,100 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $630,000 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation.

1 APR = Annual Percentage Rate. For all Home Equity Line of Credit terms see Important Terms of our HELOC link above. $5.00 Membership Account Required. Up to 80% loan to value. Other rates and terms available.

APR = Annual Percentage Rate. 3.99% APR rate for a 10-year term and an 80% loan to value on your Primary Residence. Other rates and terms up to 20 years available and/or borrow up to 95% loan to value. The 3.99% APR is repayable in 120 monthly payments of $10.12 per $1000 borrowed. Borrow up to 95% (75% for Second Homes) of your home's current value less any secure debt secured by your home with a minimum of $10,000 and a maximum of $250,000. Home Equity Loans are only available on Primary Residence and Second Homes. Rates as of June 17th, 2016 and are subject to change without notice. $5.00 Membership Account Required.

 

NMLS#: 406108 | Federally insured by NCUA up to $250,000. | Shares and Deposits in excess of NCUA limits are fully insured by MSIC. | ehl Equal Housing Opportunity

Copyright © 2017 Jeanne D’Arc Credit Union.  All rights reserved. Jeanne D’Arc©, MoneyStrong© and the phrase. We Share a Common Thread©, are federally register trademarks owned by Jeanne D’Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D’Arc Credit Union.

** Rates are effective September 19, 2018 are subject to change at any time. Conforming loan sizes up to $453,100 on one unit properties. Conforming rates and APR based on $453,100 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $630,000 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation.

1 APR = Annual Percentage Rate. For all Home Equity Line of Credit terms see Important Terms of our HELOC link above. $5.00 Membership Account Required. Up to 80% loan to value. Other rates and terms available.

APR = Annual Percentage Rate. 3.99% APR rate for a 10-year term and an 80% loan to value on your Primary Residence. Other rates and terms up to 20 years available and/or borrow up to 95% loan to value. The 3.99% APR is repayable in 120 monthly payments of $10.12 per $1000 borrowed. Borrow up to 95% (75% for Second Homes) of your home's current value less any secure debt secured by your home with a minimum of $10,000 and a maximum of $250,000. Home Equity Loans are only available on Primary Residence and Second Homes. Rates as of June 17th, 2016 and are subject to change without notice. $5.00 Membership Account Required.